Premier Bank Minnesota: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.68% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.68% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.43% +5.93 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $67.8M | 67,843 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $545.9M | 545,851 | RCOAA223 |
| Recomputed ratio | 12.43% | numerator / denominator | |
| Filed ratio | 12.43% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.93 pp | $32.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.43% +4.43 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $67.8M | 67,843 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $545.9M | 545,851 | RCOAA223 |
| Recomputed ratio | 12.43% | numerator / denominator | |
| Filed ratio | 12.43% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.43 pp | $24.2M | capital that could be lost first |
Total risk-based capital ratio 13.68% +3.68 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $74.7M | 74,672 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $545.9M | 545,851 | RCOAA223 |
| Recomputed ratio | 13.68% | numerator / denominator | |
| Filed ratio | 13.68% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.68 pp | $20.1M | capital that could be lost first |
Tier 1 leverage ratio 10.02% +5.02 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $67.8M | 67,843 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $677.0M | 676,969 | RCOAA224 |
| Recomputed ratio | 10.02% | numerator / denominator | |
| Filed ratio | 10.02% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.02 pp | $34.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 56,049 | 56,049 | 56,049 | 56,049 | 56,049 | 56,049 | RCOAP742 |
| Retained earnings | 12,001 | 10,374 | 22,947 | 21,209 | 18,954 | 17,865 | RCOAKW00 |
| Accumulated other comprehensive income | (1,593) | (1,604) | (1,491) | (1,876) | (2,465) | (3,097) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 66,457 | 64,819 | 77,505 | 75,382 | 72,538 | 70,817 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,386 | 1,397 | 1,284 | 1,669 | 2,258 | 2,889 | P859 - P840 |
| Common equity Tier 1 capital | 67,843 | 66,216 | 78,789 | 77,051 | 74,796 | 73,706 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 67,843 | 66,216 | 78,789 | 77,051 | 74,796 | 73,706 | RCOA8274 |
| Tier 2 capital | 6,829 | 6,959 | 7,035 | 6,989 | 6,999 | 6,950 | RCOA5311 |
| Allowance includable in Tier 2 capital | 6,829 | 6,959 | 7,035 | 6,989 | 6,999 | 6,950 | RCOA5310 |
| Total capital | 74,672 | 73,175 | 85,824 | 84,040 | 81,795 | 80,656 | RCOA3792 |
| Total risk-weighted assets | 545,851 | 556,421 | 562,576 | 558,766 | 559,616 | 555,913 | RCOAA223 |
| Average total assets for the leverage ratio | 676,969 | 680,656 | 702,057 | 690,216 | 688,888 | 681,634 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $63.2M | $46K | 0.07% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $62.5M | $4.9M | 7.83% | 0.89% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $135.1M | $75.3M | 55.69% | 13.77% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.3M | $7.9M | 150.00% | 1.45% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $91K | $136K | 150.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $405.6M | $405.1M | 99.87% | 74.14% | RC-R Part II, item 4.d, 5.d |
| All other assets | $28.5M | $27.7M | 97.33% | 5.07% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $25.9M | $25.3M | 97.80% | 4.64% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $546.3M | ties to item 31 ($546.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $546.3M | RCONB704 |
| Less: excess allowance for credit losses | $489K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $545.9M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.90% | 11.90% | 13.15% | 9.73% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 14.01% | 14.01% | 15.26% | 11.22% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 13.79% | 13.79% | 15.04% | 11.16% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 13.37% | 13.37% | 14.62% | 10.86% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 13.26% | 13.26% | 14.51% | 10.81% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.87% | 12.87% | 14.12% | 10.44% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.66% | 12.66% | 13.91% | 10.21% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.35% | 12.35% | 13.60% | 10.05% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.15% | 12.15% | 13.38% | 10.12% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 12.07% | 12.07% | 13.27% | 10.07% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 12.13% | 12.13% | 13.30% | 10.08% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Premier Bank Minnesota (this bank) | Risk-based | 12.43% | 12.43% | 13.68% | 10.02% | |
| American Nation Bank | $691.5M | CBLR | NA | NA | NA | 10.31% |
| Citizens National Bank | $691.8M | Risk-based | 17.18% | 17.18% | 18.43% | 12.73% |
| Hometown Bank | $691.9M | Risk-based | 10.75% | 10.75% | 11.99% | 8.28% |
| Trupoint Bank | $690.8M | CBLR | NA | NA | NA | 10.60% |
| Citizens Bank | $690.6M | Risk-based | 12.51% | 12.51% | 13.59% | 9.78% |
| Baker Boyer National Bank | $692.9M | Risk-based | 15.43% | 15.43% | 16.46% | 9.25% |
| Capital Bank | $689.7M | Risk-based | 13.14% | 13.14% | 14.36% | 10.81% |
| Southwest Bank | $693.7M | CBLR | NA | NA | NA | 11.33% |
| First State Bank of Livingston | $689.3M | CBLR | NA | NA | NA | 15.52% |
| Banknorth | $694.1M | Risk-based | 10.47% | 10.47% | 11.51% | 10.32% |
| Peer 25th percentile | 11.19% | 11.19% | 12.39% | 9.91% | ||
| Peer median | 12.82% | 12.82% | 13.98% | 10.46% | ||
| Peer 75th percentile | 14.86% | 14.86% | 15.94% | 11.20% | ||
| This bank's percentile | 33 | 33 | 50 | 30 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1481745/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.